Moron asked:


I just went online to buy a few books, but they asked for credit cards and I used my Visa debit instead.

Viola

issmat asked:

SmartSwipe is the dream child of a young entrepreneur from the city of Regina in the Province of Saskatchewan, Canada. He plans to revolutionize the current online payment process used by millions of online shoppers when conducting online credit card transactions, and replace PayPal as the number 1 trusted method of making online credit card purchases. For an in-depth review of the technology and its applications, visit: www.yourworldtoday.ca

Crystal

Sam Qam asked:




Online purchasing has in recent years skyrocketed into a massive industry with millions of purchases being made online everyday from a vast variety of online retailers. However, this massive influx of internet purchasing has brought with it a vast increase of online credit card fraud and fraudulent sites. Thousands of online shoppers have their details stolen online and as a result loose thousands of pounds to fraudsters. But how can these thieves be caught out and how do you protect yourself?

In the online marketplace it’s a little more complicated than someone lifting your wallet out of your back pocket and there are no 100% methods of ensuring you’re completely safe. There are however steps you can take to reduce the risks.

First and foremost ensure that the sites you are using are secure. It’s always better to use a site that you know a friend has been using successfully for some time or a site that is advertised widely such as Amazon or Play.com. These are large sites with thousands of users, so they will have to provide the most secure methods possible for transactions. If you come across a site you haven’t heard of before then make sure you check up on it before providing your details to them.

You should NEVER provide details by email. Any respectable site will have a secure customer accounts process and won’t resort to emails. Emails are easily intercepted by fraudsters so you should never put your card or personal details in an email whether to a business or a friend.

If you are using your card online then try to make sure your bank or credit card provider offers fraud and credit card theft cover and insurance. There are a variety of credit card companies such as Egg who provide cover specifically for online shopping.

When creating an account with a company make sure that you provide a secure email that only you have access to. Also, when choosing a password, ensure that it contains both numbers and letters and is over a certain length (the minimum length for most respectable sights is over eight characters). Ensure that you do not pick anything too generic or easily guessed and don’t let other people use your site.

Respectable online retailers use secure payment gateways for online credit card processing making them more reliable and secure. With these methods and some well applied common sense your online shopping can be more secure allowing you to browse with some measure of confidence.

Jacqueline

Joseph Kenny asked:




More and more people are applying for credit cards online. With the plethora of different means for which you can apply for your desired card, companies really try to make it easy for you to apply for their credit card. Along with online auctions, and shopping, signing up for credit cards, loans and insurance has been one of the fastest growing commercial activities on the net. Part of the reason is the speed and convenience of doing so. Another part of the reason is that you can find out the offers of a huge number of providers all at one place and judge which is the best very easily.

Applying for credit cards online can be an extremely simple process. Most credit card providers have websites that give you all of the necessary information to make your decision. If you are looking for a credit card, all you need do is visit their site and judge for yourself if the terms are acceptable. You have access to a huge number of card providers online so if you want to shop around it couldn’t be easier. There are even websites that specialise in comparing different rates and different categories of card which make your selection process even easier. For example, if you want a credit card that provides a good balance transfer rate, then you can search these specific cards. Or if you want a card that has a good reward scheme, low interest rates on purchases, or any other speciality, then it will all be there at your finger tips.

Once you have decided on a card, click the link to the card providers website or application form and fill in your details. You will be asked for all your personal details, and usually that is all. The rest of the information, the card providers can access themselves through your credit report. They will take your application and review it and do a credit check. If they are satisfied that you are a good risk, they will accept your application. While this is all done in the same way as any other form of credit application, because it is online it is secure, and also a lot faster. You do not have to wait for the application to get to them in the post and it is a lot more difficult for would be fraudsters to intercept the information.

Once the card provider has accepted your application, they will mail out the necessary documents which you should read, sign and return. Within a week, they can have sent you your card, and your pin in two separate letters and the process is complete; you have just been accepted for a new credit card.

There are some rules to credit card use that you should also be aware of, determined by the type of card that you have. Normally 0% balance transfer credit cards when you are transferring balances have the basic rule of not spending on the card – anything that you spend will accumulate interest, while you continue to pay the transferred balance. In effect, negating the point of the 0% transfer.

Jared

Jignasa Patel asked:




Are you scared of online shopping? Are you not comfortable giving your credit card or debit card details online while doing online transaction? If yes then you have much more secure way of doing online transaction using virtual credit card.

Benefits:

The virtual credit card will be generated from your existing debit or credit card on bank website.It will have same 16 digits no and expiry date with 3 digit code which you need to do transaction online. These details can be used on any merchant website who accepts VISA or MASTER CARD. It is called prepaid credit card by some bank.

Make transaction secure:

You can set credit limit for this while generating on bank website.This will expire within 2 to 3 days from the date of creation. This can be used only once during its life so nobody can misuse for card details. So,you will be free from any tension of misusing your details.

Let us take an example:

if you are holding any bank VISA credit/debit cards then you can apply for prepaid card with limit of $100 on bank website.You will get your prepaid card details immediately. You can use this details online for shopping on merchant site.If you use only $70 then remaining will not be added as billed amount in your statement.

When we should avoid:

If you have to show this plastic card as proof to collect any items you purchase online then you better avoid prepaid card if you do not have physical card of this card. When you are purchasing airline or movie tickets then you should not use it.

Easy to Handle it:

Most of the banks offer this service free of cost too.but, it varies bank to bank too.Even if you do not use it within mentioned time then it will be automatically cancelled too. You can create new one using your existing debit account too.

So, You can make your online transaction secure using virtual or prepaid card too.

Joanne

Jeremy Zongker asked:




Nowadays, shopping online is a very common thing. Making your purchases without leaving your house is an attractive option for many of us. Purchasing items over the internet using your credit card can be quite an unpleasant experience if you don’t make sure your payments are safe. Although many people consider that using a credit card for online transactions is not safe, they continue using this method but with increased caution measures. The greatest risk we expose ourselves to when shopping online is identity theft. But this is not the only risk, and various studies reveal that people have also other concerns like: personal information will be sold to third parties, unauthorized recurring transactions, not receiving the ordered products or even higher prices than advertised prices.

Many people think that shopping online is risky, but the risk is not greater than others. Taking few precaution measures is the best thing to do unless you want to quite shopping online. First of all, we should not shop from unknown websites. Always look for the companies you know or ask someone to recommend you a site or a company that he/she uses. Still, if you’re not sure of the vendor’s identity try to find his address and phone number and check them. Also check the refund and return policies of the company in case they don’t ship you the right products or you’re not satisfied with their quality. Another thing to be careful about is the browser that you’re using, it has to be a secured browser. A secured browser should include Secure Sockets Layer that scramble the information you are sending over the internet, making the transaction more secure. You can easily recognize a secured web site, because when you’re filling in online orders or applications a closed padlock sign should appear at the bottom of the screen. Another way to make sure that the web site is secure is to check the URL; if it begins with “https” it means the transaction is secure because the “s” stands for secure.

Another important thing to be careful about is your privacy. The information you’re submitting when you use your credit card online should be kept private by the company that receives it, meaning it should not be passed on or sold to third parties unless you agree. Most web sites ask for your permission to use personal details for direct marketing, and if you feel uncomfortable giving them permission you must know you have the right to object. Anyway, before submitting any personal details you should check the privacy policy of an website; if there are things not clear to you give them a call and see if your understanding is correct or not. Do not submit any information, unless you’re absolutely sure that your credit card details are safe.

Being able to safely use credit cards for online purchases is not only the buyer’s responsibility. The vendor has also his part of responsibility in ensuring safe purchases for his clients. Vendors also suffer from credit card frauds. They have to take some security measures in order for them and their customers to be protected against online credit card frauds. Security and privacy are two important aspects a vendor should take into consideration. He must ensure the client that the personal information submitted are kept private and at the same time he must check the details received to make sure that he’s dealing with the real cardholder.

It is a well known fact that online credit card transactions are risky, because your personal information are exposed and can be stolen by others with the intention of using them to commit frauds. Yet, if the buyers are careful to whom they relies these information and the vendors are cautious from whom they receive credit card information, the risks of online credit card frauds decreases significantly. When disclosing personal information, common sense should exist.

Dale

Peter Kenny asked:




If you have ever shopped online, then you might know about some of the dangers associated with online purchasing and online credit card fraud. If you are not careful, you could end up being a victim of online fraud, which could leave you with a large bill to pay of items that you have not purchased. Here is some more information about the dangers of online credit card fraud and how to avoid them.

Why shop online?

If there are dangers to shopping online, then why do so many people do it? Well, the dangers of online fraud are only equal to those of any other type of transaction. Also, online shopping is often much cheaper and quicker than regular shopping, and consumers who want to find great deals without leaving their home are turning to online stores.

Use credit not debit

The first tip to help you avoid online fraud is to make sure you try and use a credit card to purchase goods rather than a debit card. This is because credit cards are much safer than debit cards and have far more security features. If someone were to get hold of your debit card details, you are unlikely to be protected. However, credit cards are usually covered by purchase protection, meaning that items you have not bought will be refunded to you.

Use HTTPS

When shopping online, it is important to make sure you only enter your card details over a secure connection. If you enter your details on a page that is not secured, it will be easy for fraudsters to get your details and use them to purchase items. To make sure the page is secure, check that the page address starts with https://. This means that the page is secure, and it is safe to use. If it does not start with this prefix, then do not enter your details.

Use trusted web sites

Although making sure the page is secure is important, you should try and make sure you only use tried and trusted web sites for purchasing online. Using small or unknown sites can lead to problems, whereas if you stick to large company sites that are used by many then you are more likely to stay safe. These large web sites have better security features in place, and are more likely to help you with any problems regarding unauthorised transactions.

Keep all details

If you make a purchase online, make sure that you print out all of the details of the order, such as the company name and address as well as an invoice number and the amount you have spent. If anything goes wrong then you will have some record of the transaction and be able to sort out the situation.

Computer protection

It is important to remember that as well as being safe online, you should make sure your computer itself is safe. The easiest way for a fraudster to get to your financial information is to hack into your computer. Make sure you have adequate anti-virus protection that is up-to-date and that you have firewall in place. This will help to stop fraudsters getting hold of your information, and keep your money safely where it belongs.

Carl

Richard Greenwood asked:


opping is an excellent way to shop. Huge range of products and stores as well as great prices, there is no doubting it’s a great way to buy things. However, with so many online stores online and new ones popping up all the time, how do you know if sites are legitimate and secure. Here’s what you need to know before parting with your credit card details online.

Shopping online can be a very rewarding experience; you can find a huge number of items online that you would never find in your local mall.

However, the savvy shopper knows how to spot risky eccommerce websites and avoid giving them their personal information, including credit cards. The havoc that can come from giving the wrong website your personal information can be widespread.

One of the best ways to ensure you will have a successful online shopping experience is to make sure that your computer is up-to-date on the latest spyware and technical advances. By downloading this information onto your computer, you will be more likely to spot a problematic site. Your internet security software with anti-virus and spyware detection can help you detect if the website your visiting is trying to place a virus or harmful software onto your computer.

Credit card security is always seeing improvements online. More and more consumers are demanding that their online shopping experience is a positive one. As a result, there are online software solutions that specialize in ensuring that their credit card security is never compromised by hackers.

If you are about to purchase an item online, be sure to see if the website page is “secure” when you enter your personal information. An easy way to check if the website page is “secure” or not is to look at the web address. If the web address begins with http:// then the site is unsecured. However, if the webpage address shows as ‘https’:// the page is secure. You are less likely to experience problems with your online shopping experience if you only type in your personal information on a website page that begins: https://

Another solution for wary online shoppers is to contact the business directly. If you are at all concerned about the business you are about to shop with online, find a phone number and contact the company. A reputable business will have an established customer service center where you can give your personal information to a human being – versus a website page. While your on the phone you can also ask them a few questions about the business such as asking how long they have been in operation, how they secure credit card details and so on. This will help you decide if they are running their online store well and treating credit card security with the importance it deserves.

Finally, a simple and easy way to determine if a website is legitimate is to look and see whether the company has an SSL-certified listing on their website. These symbols indicate that the business offers a secure online shopping experience to their customers. In addition, if you see a BBB (Better Business Bureau) symbol on the website, you will know that these symbols indicate that the company will not engage in illegal credit card fraud.

Keep these tips in mind before you start your next online shopping experience. This way, you can be sure that your personal information will not be accessed by hackers or other online thieves.



ETHAN

Peter Kenny asked:


If you have ever shopped online, then you might know about some of the dangers associated with online purchasing and online credit card fraud. If you are not careful, you could end up being a victim of online fraud, which could leave you with a large bill to pay of items that you have not purchased. Here is some more information about the dangers of online credit card fraud and how to avoid them.

Why shop online?

If there are dangers to shopping online, then why do so many people do it? Well, the dangers of online fraud are only equal to those of any other type of transaction. Also, online shopping is often much cheaper and quicker than regular shopping, and consumers who want to find great deals without leaving their home are turning to online stores.

Use credit not debit

The first tip to help you avoid online fraud is to make sure you try and use a credit card to purchase goods rather than a debit card. This is because credit cards are much safer than debit cards and have far more security features. If someone were to get hold of your debit card details, you are unlikely to be protected. However, credit cards are usually covered by purchase protection, meaning that items you have not bought will be refunded to you.

Use HTTPS

When shopping online, it is important to make sure you only enter your card details over a secure connection. If you enter your details on a page that is not secured, it will be easy for fraudsters to get your details and use them to purchase items. To make sure the page is secure, check that the page address starts with https://. This means that the page is secure, and it is safe to use. If it does not start with this prefix, then do not enter your details.

Use trusted web sites

Although making sure the page is secure is important, you should try and make sure you only use tried and trusted web sites for purchasing online. Using small or unknown sites can lead to problems, whereas if you stick to large company sites that are used by many then you are more likely to stay safe. These large web sites have better security features in place, and are more likely to help you with any problems regarding unauthorised transactions.

Keep all details

If you make a purchase online, make sure that you print out all of the details of the order, such as the company name and address as well as an invoice number and the amount you have spent. If anything goes wrong then you will have some record of the transaction and be able to sort out the situation.

Computer protection

It is important to remember that as well as being safe online, you should make sure your computer itself is safe. The easiest way for a fraudster to get to your financial information is to hack into your computer. Make sure you have adequate anti-virus protection that is up-to-date and that you have firewall in place. This will help to stop fraudsters getting hold of your information, and keep your money safely where it belongs.



JEREMY

Amy Gordon asked:


Wish to have a credit card and planning to apply for one? I know you don’t want to get troubled and visit banks regularly. Don’t worry there is no need rather because now you can apply online. The booming online technology has made it feasible to apply and shop for credit cards online. Credit cards have given a new dimension to money lending and have simplified it to great extent.

There are different types of credit cards available online; all you need to do is just click on to one according to your preference. A number of options will be at your stretch then you can scroll through to select the one that you need. You can choose among 0% APR, cash back credit cards or low rate credit cards etc. depending on your requirement and needs you can select anyone.

A good credit history might help you in getting quick approval. Also if you have a good credit report then you can get a credit card at affordable and lower rates easily.

With these cards you can even shop online. There are various e-shops which have added to online shopping. You can buy gifts or other useful things just sitting at home and with your mouse click. Isn’t it really convenient and easy! Now nothing can stop from buying what you really need.

There are various companies offering credit cards online. But before applying with any do check its reliability and authenticity. The company that you are applying with might be involved in fraudulent services. There may be some hidden charges or annual fee that might be charged from you.

With a credit card in your pocket you can easily pay off expenses without wondering about the financial constraints. You can use it to pay all your bills immediately like for shopping, car repair, buying furniture etc. But one should take careful steps about its repayment; you should use it to a credit limit which you can easily pay back.



CLIFFORD